Quick math
  • Liability pays for damage and injuries you cause to other people
  • Collision repairs your car after a crash, minus your deductible
  • Comprehensive covers theft, hail, glass and animal strikes
  • A higher deductible usually lowers the premium and raises your out-of-pocket risk
  • Uninsured motorist cover protects you when the other driver has no policy
  • Most states require at least a minimum amount of liability coverage
  • Bundling policies with one insurer can change your rate
  • An SR-22 is a filing, not a policy, and it usually raises the total cost
Cars Figure
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Numbers-first auto insurance

Your car insurance is just math. Let’s figure it out.

Cars Figure breaks every quote into the numbers behind it: what each coverage costs, what a deductible really saves, and what a claim is worth filing.

Start figuringSee the six tools
  • New drivers
  • Families
  • SR-22 and high-risk
  • Claims and roadside
Your premium, figuredSample figuresMonthly cost by coverage$128sample monthly totalPremium split$128LiabilityCollisionComp.OtherSample splitRate gaugeLowHighDeductible$500vs $1,000Savings−$212per year, sampleDeductible math: done$
34%28%16%12%10%100%of your premium$%

Premium breakdown

Where every dollar of your premium goes

A quote is one number built from five smaller ones. This is an illustrative split of a full-coverage policy. Your own mix will shift with your state, car and history, but the shape of the math stays the same.

  • Liability

    34%

    Pays for injuries and damage you cause to others. Most states require some of it, and it is the layer that protects your savings.

  • Collision

    28%

    Repairs or replaces your car after a crash, minus your deductible. The older the car, the less this layer is worth.

  • Comprehensive

    16%

    Theft, hail, broken glass and animal strikes. Usually the lightest slice of the physical-damage cover.

  • Medical and uninsured motorist

    12%

    Covers medical bills for you and your passengers, and what is left when the other driver carries no insurance.

  • Taxes and fees

    10%

    State taxes, policy fees and installment charges. Easy to miss on a quote and always worth asking about.

Figure it out

Four keystrokes from a mystery price to a real number

The sample readouts below show how the math builds. Swap in your own car, limits and deductible and the total moves with them.

liability + collision + comp + fees$128.00789÷456×123−0.=+
  1. 01

    Key in the car

    Year, make, model and how you use it. The vehicle sets the repair-cost and theft baseline that every other number builds on.

    Vehicle: 2019 sedan
  2. 02

    Set the coverage

    Choose your liability limits, then decide on collision and comprehensive. Each layer you add becomes one more line in the total.

    Liability: 100/300/100
  3. 03

    Pick the deductible

    Slide between $250 and $2,000 and watch the premium and your out-of-pocket risk move in opposite directions.

    Deductible: $500
  4. 04

    Read the real number

    Add the fees, divide by twelve, compare with last year. Now the price on the quote actually means something.

    Total: $128 per month

The six tools

One stat per question you should ask before you renew

General platform figures

6
number tools in one place
5
coverage cost drivers broken down
50
states’ liability minimums explained
12
months of rate history you can chart

Rounded, general figures about what the site covers. They are not performance claims.

Ready to see your real number?

Sign up, bring your latest quote, and let the math show you where the money goes before you renew.

Sign UpTalk to us
Or call (213) 523-7845
Your real cost$128/mo